Our Process

We have a defined, structured approach to the planning process for our clients. For most clients this is a continual, ongoing process. As changes occur, we make the necessary adjustments to keep the client on track.

As part of the initial conversations with clients we ask a number of questions included in the piece Introduction to the Life Planning Process, such as:

• What are your financial goals and objectives?
• What help do you need to achieve them?
• What keeps you up at night?
• How do you think that we can help you?

In order to become familiar with the client's circumstances and to develop our initial recommendations, we gather and analyze financial information and legal documentation. As part of this process, we review the short and long-term cash flow needs of our clients, address their retirement needs and their risk profile.

 

The most common types of risks that our clients may face include living too long, dying too soon, loss of income due to disability or loss of job, saving too little or saving in the wrong type of investment vehicle.  We review each of these risks with our clients and then create our initial recommendations.  Using the client’s feedback we create an investment policy statement and deliver a plan with an integrated, comprehensive strategy. 

 

After the investment policy statement has been approved and finalized we implement our investment recommendations and then meet the client periodically to review the portfolio’s progress.  We continually address changes in the client’s situation that might affect the portfolio.